Travel Insurance to cover baggage etc for K-1?

[caphoto 10]

So I can't really find any answers to this in the forum, wondering if any of you have any good ideas...

I'm moving to the states on August 23rd, and getting married on October 3rd. I'm applying to Covered California for temporary health insurance to cover me for the time before our wedding, but what has everyone done for travel insurance to cover lost baggage, cancelled flights etc? All the UK travel insurance companies I've seen require you to be a UK resident and return to the UK after your trip, so it's no use.

Any ideas?

[Boiler 45,519]

I winged it, nothing too horrendous anyway if the worst came to the worst.

[wbeem 568]

I had an annual policy in place when I left. As I entered on a non immigrant (k1) visa, if I'd needed to claim, I would have done so. Fortunately my husband's medical insurance back dated our cover to add is as at the date of marriage so we didn't have to worry about that and we were married less than two weeks after arriving here.

I did have a bag opened and items missing when we landed. I didn't bother to claim because the excess made it a break even so it wasn't worth the hassle but I never travel without insurance.

[Boiler 45,519]

You might have got away with a small claim on UK travel insurance if they missed that you emigrated.

But let's say you have a major medical, break a leg, first thing they will be looking to do is get you home which on a K would be especially interesting.

[ChasUno 101]

I've been looking into temporary health insurance to cover me until I can be on my partner's insurance at the beginning of September. For years I've used Insure and Go when travelling from the UK, and called them yesterday to see if they would cover me whilst travelling to the USA on a K1. My take was that as the K1 isn't an immigrant visa (it's a 90 day visa that you can adjust to permanent residency IF you meet the requirements within 90 days) then technically you are still a 'traveler' until you file for AOS.

However...

I explained my situation with the advisor at Insure and Go and asked if I would still be covered if I took out an insurance policy with them. In a nutshell, the answer is "No". She did state that the insurance would be valid for the flight over, but would then be invalidated 24 hours post arrival at the US point of entry. I guess the argument being that it would cover me for 'travel' (the flight over to the USA), but after 24 hours of arrival in the USA as the intent is to marry and adjust status, that automatically invalidates the insurance policy. Most of them are advertised as 'Travel' insurance that includes medical coverage, and it is the 'Travel' category that is important for its legitimacy. As "Travel" and "Emigrate" are two completely separate categories, "Travel" insurance will NOT cover you if you enter the USA as a K1 holder.

[caphoto 10]

Thanks for all your replies. I'm hesistant to just 'wing it' because I've had to make a major claim before, both with a medical issue and lost baggage. So it seems that regular travel insurance isn't the way to go.... while browsing, I came across a one-way travel insurance company called Go Walkabout - have any of you heard of it? It might be the answer!

[rob999 51]

She did state that the insurance would be valid for the flight over, but would then be invalidated 24 hours post arrival at the US point of entry.

That should at least protect us for flight and luggage? If the flight got cancelled, bags lost etc. I'm taking my life into 4 suitcases as that was the "cheapest" option so thinking I should get travel insurance for the flight at least.